DebtLab

Free · No sign-up · Private

Pay off your debt faster. See exactly when.

Plug in your balances and get a month-by-month plan: your debt-free date, the interest you'll pay, and how much a little extra each month could save.

Build my payoff plan Credit card calculator

Debt-free date

March 2030

−$4,212 interest

Store card

April 2027

Visa

April 2028

Car loan

March 2030

Example plan

Free debt calculators

Everything runs in your browser. Nothing you type leaves your device.

Debt Snowball CalculatorPay the smallest balance first and see your debt-free date.Open calculator Debt Avalanche CalculatorPay the highest APR first and compare the interest you save.Open calculator Credit Card Payoff CalculatorOne card, one payment: how long it takes and what it costs.Open calculator Credit Score SimulatorAnswer 5 questions for an educational score estimate.Open calculator

Debt math in 60 seconds

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The minimum payment trap on $16,250 of credit card debtThe minimum payment trap on $16,250 of credit card debt

From the blog

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September 23, 2026 · 8 min read

Debt Snowball vs Debt Avalanche: Which Is Best?

Compare debt snowball vs debt avalanche using real math. Learn how a $17,500 debt payoff changes based on interest rates and monthly budget.

Frequently asked questions

What is the fastest way to pay off debt?

Pay more than the minimums and aim the extra at one debt at a time. The avalanche method (highest APR first) usually costs the least interest; the snowball (smallest balance first) gives quicker wins. Our calculators show both for your numbers.

Are these calculators really free?

Yes. There is no sign-up, and your numbers never leave your browser.

How accurate are the results?

They use standard monthly interest math and assume fixed payments and no new charges. Your lender's figures can differ slightly because of daily interest, fees, or changing rates.